BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
RBB
RBB Bancorp
RBB has a slight edge over BAC overall, supported by stronger fundamentals.
BAC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BAC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAC.
RBB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
RBB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like RBB.
BAC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.4x | $39.50 | -22% |
| Forward | 10x | $50.51 | — |
| Current | 12x | $50.51 | — |
| Fair | 13x | $53.81 | +6.5% |
| Expensive | 15x | $62.23 | +23% |
Historical ranges are pointers, not guarantees.
BAC has the edge over RBB in the historical PE scenario, which offers more potential upside but is not a forecast.
RBB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.8x | $17.51 | -33% |
| Fair | 9.8x | $25.39 | -2.5% |
| Current | 10x | $26.04 | — |
| Forward | 11x | $26.04 | — |
| Expensive | 12x | $31.59 | +21% |
Historical ranges are pointers, not guarantees.
RBB's PE is in its fair range at 10x. On analysts' estimates for next year's earnings, today's price would be 11x, in its expensive range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over RBB on the outlook, with more favorable valuation and revenue expectations.
RBB Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect RBB's earnings to grow and its profitability to improve, with its revenue holding steady.
BAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.92 | +17% |
| Q3 2026 | $4.19 | +14% |
| Q2 2026 | $4.34 | +27% |
| Q1 2026 | $4.02 | +20% |
| Q4 2025 | $3.81 | +19% |
| Q3 2025 | $3.66 | +33% |
| Q2 2025 | $3.41 | +20% |
| Q1 2025 | $3.35 | +16% |
| Q4 2024 | $3.21 | +4.2% |
BAC has the edge over RBB on earnings, with more consistent year-over-year improvement.
RBB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.31 | -10% |
| Q3 2026 | $2.58 | +72% |
| Q2 2026 | $2.43 | +87% |
| Q1 2026 | $2.36 | +102% |
| Q4 2025 | $1.83 | +24% |
| Q3 2025 | $1.50 | -18% |
| Q2 2025 | $1.30 | -32% |
| Q1 2025 | $1.17 | -44% |
| Q4 2024 | $1.47 | -34% |
RBB earned $2.58 per share over the past year, up 72% from the year before.
BAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $30B | +6.7% |
| Q2 2026 | $31.6B | +19% |
| Q1 2026 | $30.3B | +11% |
| Q4 2025 | $31.2B | +23% |
| Q3 2025 | $28.1B | +11% |
| Q2 2025 | $26.5B | +4.3% |
| Q1 2025 | $27.4B | +6% |
| Q4 2024 | $25.3B | +15% |
BAC has the edge over RBB on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -3.7 points |
| Q2 2026 | 37% | +7.6 points |
| Q1 2026 | 34% | +4.7 points |
| Q4 2025 | 40% | +12 points |
| Q3 2025 | 34% | +4.8 points |
| Q2 2025 | 29% | -0.7 points |
| Q1 2025 | 30% | +1.5 points |
| Q4 2024 | 28% | +14 points |
BAC's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
RBB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $36.9M | +13% |
| Q2 2026 | $33.1M | -7.6% |
| Q1 2026 | $34.8M | +22% |
| Q4 2025 | $32.3M | +13% |
| Q3 2025 | $32.6M | +7.5% |
| Q2 2025 | $35.8M | +30% |
| Q1 2025 | $28.5M | +0.7% |
| Q4 2024 | $28.7M | -13% |
RBB's revenue is growing: $37M last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | +4.9 points |
| Q2 2026 | 43% | +6.4 points |
| Q1 2026 | 45% | +34 points |
| Q4 2025 | 39% | +22 points |
| Q3 2025 | 41% | +9.1 points |
| Q2 2025 | 36% | +0.5 points |
| Q1 2025 | 11% | -29 points |
| Q4 2024 | 18% | -34 points |
RBB has the edge over BAC on profitability, with a higher operating margin.
BAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$6.5B | -114% |
| Q2 2026 | $29B | +$38.2B |
| Q1 2026 | $41.8B | +$44B |
| Q4 2025 | -$22.9B | -189% |
| Q3 2025 | $46.9B | +$84.2B |
| Q2 2025 | -$9.1B | -150% |
| Q1 2025 | -$2.2B | +$13.4B |
| Q4 2024 | $25.9B | -21% |
BAC's free cash flow was $41.4B over the past year, down 33% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BAC.
RBB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$820K | -147% |
| Q2 2026 | $22.3M | +3.4% |
| Q1 2026 | $19.4M | +156% |
| Q4 2025 | $11.7M | -32% |
| Q3 2025 | $1.8M | -93% |
| Q2 2025 | $21.6M | +87% |
| Q1 2025 | $7.6M | +62% |
| Q4 2024 | $17.2M | +$26.1M |
RBB has the edge over BAC on cash flow, with more consistent year-over-year improvement.
BAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -72M shares |
| 1 year | -5.3% | -405M shares |
| 3 years | -11% | -854M shares |
| 5 years | -15% | -1.3B shares |
| Available history | -24% | -2.2B shares |
BAC has the edge over RBB on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6B |
| Q2 2026 | $6B |
| Q1 2026 | $7.2B |
| Q4 2025 | $6.3B |
| Q3 2025 | $5.3B |
| Q2 2025 | $5.3B |
| Q1 2025 | $4.5B |
| Q4 2024 | $3.5B |
BAC spent $25.6B buying back its own shares over the past year, up 37% from the year before.
RBB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -114K shares |
| 1 year | -1.6% | -274K shares |
| 3 years | -10% | -2M shares |
| 5 years | -14% | -2.8M shares |
| Available history | -17% | -3.4M shares |
RBB has 17M diluted shares, down 1.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4.5M |
| Q4 2025 | $1,000 |
| Q3 2025 | $12.5M |
| Q2 2025 | $1.5M |
| Q1 2025 | — |
| Q4 2024 | $9,000 |
| Q3 2024 | $11M |
| Q2 2024 | $8.1M |
BAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 6.4x | High |
| Q2 2026 | 6.7x | High |
| Q1 2026 | 7.1x | High |
| Q4 2025 | 7.7x | High |
| Q3 2025 | 8.3x | High |
| Q2 2025 | 8.8x | High |
| Q1 2025 | 8.6x | High |
| Q4 2024 | 9.0x | High |
BAC's net debt is about 6.4 years of its operating earnings (EBITDA), down from 8.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BAC.
RBB Net Leverage
BAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.1 | Neutral |
| Stochastic | 4.9 | Oversold |
BAC's weekly RSI is 37 (neutral) and its Stochastic is 5 (oversold).
RBB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.1 | Neutral |
| Stochastic | 19.1 | Oversold |
RBB's weekly RSI is 54 (neutral) and its Stochastic is 19 (oversold).
BAC PE vs Financial Services Sector
| Metric | BAC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 40 | 63 | 23 pts below |
BAC is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
RBB PE vs Financial Services Sector
| Metric | RBB | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 23% below |
| PE % | 52 | 63 | 11 pts below |
RBB has the edge over BAC on valuation relative to its sector.
BAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $52.1 | 3% below |
| 20 week MA | $57.8 | 13% below |
| 50 week MA | $54.7 | 7.7% below |
| 100 week MA | $50.5 | 0% below |
| 200 week MA | $42.5 | 19% above |
BAC has fallen below most of its moving averages, though it's still 19% above its 200-week average.
RBB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.0 | 0.3% above |
| 20 week MA | $26.5 | 1.6% below |
| 50 week MA | $24.1 | 8.2% above |
| 100 week MA | $21.1 | 23% above |
| 200 week MA | $19.3 | 35% above |
RBB has the edge over BAC on trend strength, trading above more of its moving averages.
BAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.4 | $30.0 | -15% |
| 2021 | $30.0 | $44.4 | +48% |
| 2022 | $44.4 | $32.5 | -27% |
| 2023 | $32.5 | $33.7 | +3.7% |
| 2024 | $33.7 | $44.3 | +32% |
| 2025 | $44.3 | $56.2 | +27% |
| 2026 YTD | $56.2 | $50.5 | -10% |
BAC has finished higher in four of the last six years. It's down 10% so far in 2026.
RBB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.2 | $15.4 | -27% |
| 2021 | $15.4 | $25.2 | +64% |
| 2022 | $25.2 | $21.1 | -16% |
| 2023 | $21.1 | $19.0 | -9.8% |
| 2024 | $19.0 | $20.8 | +9.2% |
| 2025 | $20.8 | $21.1 | +1.4% |
| 2026 YTD | $21.1 | $26.0 | +24% |
RBB has the edge over BAC on returns for 2026, with the stronger performance.